Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$1,165,985Cash toward the purchase price.
Closing costs + prepaids$35,099Not just lender fees.
Before credits & paid funds$1,201,084The complete starting cash picture.
Estimated remaining funds due at closing
$1,201,084No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,165,985.14
Your down payment$1,165,985.14
Closing costs + prepaids$35,099.21
Total buyer cash needed$1,201,084.34
Remaining funds due$1,201,084.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$20,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,420.07
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,562.50
Initial HOA (3 months)$495.00
Prepaid interest, first (13 days)$903.63
Fees + prepaids$35,099.21
Your down payment is the seller’s equity. You take over the $884,015 balance, so the rest of the $2,050,000 price is paid at closing. A second mortgage can cover part of it. $1,201,084.34 is due at closing. Uses and sources reconcile at $2,085,099.21 each. Not a Closing Disclosure.